Let’s face it — boat ownership is expensive, complicated, and often just a giant floating excuse to fix things on weekends. But that doesn’t mean you have to stay stuck on shore.

Whether you’re boatless, broke, or just bluffing your way through summer, Lake Michigan welcomes you with open waves. If you’re wondering how to get on Lake Michigan without a boat, you’re in luck — this list has you covered.

Here are 10 legit ways for how to get on Lake Michigan this season:

1. Rent One Like You Own It

Want the freedom of the lake without the anchor of boat payments? Just rent one. Platforms like Boatsetter offer peer-to-peer boat rentals where you can choose anything from a bowrider to a fishing boat—with or without a captain. You can also rent directly from Oselka Marina in New Buffalo, which offers well-maintained pontoons and powerboats. It’s one of the easiest ways to experience Lake Michigan boat rentals and get on Lake Michigan with style.

2. Jet Ski Like You Mean It

If speed is your thing, jet skis are the aquatic equivalent of a muscle car. Fly across the waves with rentals from Oselka Marina or hit up Harbor Country Adventures in Michigan City for Yamaha Waverunners. If you’re looking for jet ski rental Lake Michigan options, this is your ticket to high-speed summer thrills.

3. Charter a Private Boat or Go Fishing with a Pro

No license? No problem. Chartering a boat gives you all the luxury with none of the responsibility. Captain John’s Boat Tours offers private guided charters where you can cruise the shoreline, drop anchor in hidden coves, or just chill with drinks on deck while someone else handles the wheel.

And if relaxing isn’t enough, you can always take things up a notch with a fishing charter. Just One More Charters out of Washington Park Marina in Michigan City offers professional guided trips with Captain Larry Richmann, a local expert who’ll help you land salmon, trout, or steelhead. With rods, bait, and even fish cleaning included, it’s a high-reward option for anyone who wants to earn their dinner. Whether you’re casting lines or just casting off, chartering is hands-down one of the best ways to get on Lake Michigan without the hassle of boat ownership.

4. Sail Away on a Lake Michigan Excursion

There’s something effortlessly classy about sailing. Book a sunset cruise with New Buffalo Sailing Excursions and enjoy a peaceful ride aboard a 31-foot sailboat. With a seasoned captain at the helm, all you have to do is sip your wine, feel the breeze, and soak in that golden hour glow. It’s one of the top New Buffalo sailing excursions and a great excuse to be on the lake.

5. Paddle the Coast with Third Coast Paddling

Not all aquatic adventures require horsepower. Third Coast Paddling rents kayaks and stand-up paddleboards at multiple Lake Michigan locations including New Buffalo, Galien River, Warren Dunes, and Silver Beach. Whether you want to explore calm inland waterways or hug the shoreline, it’s an easy, affordable, and peaceful way to connect with the water. A top option for Lake Michigan paddleboard rental or kayaking—and definitely how to get on Lake Michigan without a boat and still feel immersed in nature.

6. Bring a 12-Pack to the Docks and Join a Race Crew

Yes, this is a real thing. The New Buffalo Sail Fleet hosts races every other Saturday at 11:00 AM, open to all skill levels—including beginners. Head down to the docks near New Buffalo Municipal Marina with a 12-pack and a good attitude. Most crews are open to extra hands, and you might just get invited aboard. It’s a local favorite among things to do on Lake Michigan for extroverts with charm and beer.

Stay in the loop by joining the New Buffalo Sail Fleet Facebook Group or contacting the Vice Commodore for Sail at sail@newbuffaloyachtclub.com. Pro tip: check out their race course video and GPS race mark info at the New Buffalo Yacht Club.

8. Float the Harbor on a Tiki Bar

Yes, floating tiki bars are a thing. Book a cruise with Cruisin’ Tikis South Haven and enjoy a slow, scenic spin around the harbor on a motorized bamboo party hut. It’s BYOB, ultra-Instagrammable, and pure summer vacation energy. If you’re hunting for a unique tiki bar cruise Lake Michigan option, this is your move.

9. Join a Party Cruise and Dance on Deck

If your ideal boat day includes music, dancing, and zero responsibilities, hop aboard a public party cruise. Harbor Country Adventures hosts Saturday night cruises out of Michigan City, while Party Time Cruise Lines out of St. Joseph specializes in double-deck party boats with live DJs. If you’re looking for a high-energy Lake Michigan party cruise, this is your jam.

10. Join a Boat Club (and Skip the Commitment)

Boat clubs are the new country clubs. For a monthly fee, you get access to a whole fleet without dealing with insurance, cleaning, or winter storage. Carefree Boat Club New Buffalo lets you reserve boats as often as you want—minus the headaches of ownership. It’s the smart way to enjoy boating via a boat club New Buffalo without ever buying a vessel.

11. Buy a Boat (We’re Only Half-Kidding)

If you’re really committed to lake life and don’t want to rely on anyone else — there’s always the DIY route. Believe it or not, you can buy a small inflatable boat for less than the cost of one night at a fancy hotel. Here’s a surprisingly decent one for just $264.99 on Amazon: Intex Seahawk 4-Person Boat Set. Toss in a cooler and launch from the beach. Here’s a great option: YETI Roadie 24 Cooler.

Is it the most elegant solution? No. But it floats. And it counts.

💰 Budget Breakdown

Need a Land-Based Launchpad for Your Aquatic Adventures?

All these ideas for how to get on Lake Michigan without a boat pair perfectly with a stay at Copper Top Ridge in New Buffalo. Our luxury vacation rental is just minutes from the marina, kayaking trails, and beaches. After a day on the lake, come back to unwind in the hot tub, gather around the fire pit, or spot deer from the backyard hammock. If you’re planning to pair your adventures with beach time, check out our guide to the Top 10 Lake Michigan Beaches. No boat? No problem. We’ve got the vibe you need for the lake life you deserve.

Looking for the perfect way to end your lake day? Don’t miss our roundup of the Best Places to Watch the Sunset in New Buffalo. Book your stay today, and make your summer one to remember—whether you ever set sail or not.